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A Primer on Insurance Coverage for Live Events

By Susan Page White
August 30, 2012

When musical performers go on tour, they may likely expect that the venue where they are performing will have insurance to cover any liabilities that may arise in connection with their performance. Or, when the band purchases its own insurance, the band may believe it has taken the steps necessary to ensure that its insurance covers the types of potential liabilities that can, and often do, arise on the road. But what is often the case when a tragedy strikes is that the performers, venue, promoters, organizers and sponsors find that they may not be as well protected as they thought. Compounding the problem is the fact that touring performers and others involved in putting on the show are becoming more and more vulnerable to lawsuits by concertgoers due to injuries the concertgoers may sustain in connection with a live event. This is especially true for well-known bands, which earn a lot of money and garner media attention, making them and those associated with their
event prime targets for litigation.

Thus, even if a concert venue carries liability insurance to cover the scheduled performance, it is important for the musical group to carry its own liability and property insurance. And because cancellations, postponements, and the inability of the performer to take the stage also often occur due to unforeseen circumstances, those with a financial stake in the live event could also benefit greatly through the purchase of event cancellation and/or non-appearance insurance.

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